Moving from Baltimore to St. Paul (2026)
St. Paul has a COL index of 97 vs 110 for Baltimore (100 = US average). You'd pay about 12% less for the same lifestyle.
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Key differences
Salary needed in St. Paul to match your Baltimore lifestyle
Based on the 12% cost of living decrease between the two cities.
| Your salary in Baltimore | Equivalent in St. Paul |
|---|---|
| $40K | $35,273 |
| $50K | $44,091 |
| $60K | $52,909 |
| $75K | $66,136 |
| $80K | $70,545 |
| $100K | $88,182 |
| $120K | $105,818 |
| $150K | $132,273 |
💵 Household income (before tax)
Monthly budget at $75K — Baltimore vs St. Paul
| Expense | Baltimore | St. Paul |
|---|---|---|
| Monthly take-home | $4,441 | $4,122 |
| 1BR rent | $1,900 | $1,500 |
| Groceries | $391 | $384 |
| Transport | $88 | $95 |
| Utilities | $175 | $195 |
| Internet | $65 | $63 |
| Left after essentials | $1,822 | $1,885 |
30-Year Wealth Builder
If you invest your monthly savings of $382 in a low-cost index fund (7% avg return), you'd accumulate an extra:
over 30 years compared to staying in Baltimore — that's the real price of a city.
Frequently asked questions
Is St. Paul cheaper than Baltimore?
Yes. St. Paul has a cost of living index of 97 vs 110 for Baltimore (100 = US average). That's about 12% cheaper.
How much will I save moving from Baltimore to St. Paul?
On a $75K salary, moving from Baltimore to St. Paul saves roughly $81/month on core expenses. That's ~$972/year.
What salary do I need in St. Paul to match my Baltimore lifestyle?
To maintain the same purchasing power as $75,000 in Baltimore, you'd need roughly $66,136/year in St. Paul. This is based on the overall COL index difference.
Estimates based on Q1 2026 COL index and market data. Budget uses simplified federal/state tax rates. Zillow · BLS · Numbeo · For general guidance only